Absolutely awful experience! Within minutes of buying the insurance I realised that I'd made a mistake after discovering that other insurance companies do not charge 57% APR to pay in instalments. I thought the APR wold be standard, but it isn't so beware. I called to cancel the very next morning (just 12 hours after taking out the insurance) and was told I needed to pay approx. £60-70 cancellation charges for 12 hours cover! Was actually given 2 different quotes to leave, they couldn't get it right! I was over a barrel so decided to stay, then 2 weeks later received a letter to say they are adding £300 to my policy for a slight change to my policy! I called again to cancel as this policy is quoted with the same insurer £400 cheaper on several other sites, they are now threatening cancellation charges of just under £200, £118 of which are for excess protection and breakdown cover. I asked if there is an option not to cancel the excess prot/breakdown and to keep these elements in place and was told no. I need to pay for 12 months yet they will be deactivated immediately hahaha, you couldn't make it up. Such an unethical company, definitely not getting a penny out of me!